BankFinancial (BFIN) Stock Price, News & Analysis

Company Overview

BankFinancial Corp. operates as a bank holding company. The firm's products include checking and savings account, debit and credit cards, cash management, deposits, loans, online banking and payment, automated teller machines, safe deposit boxes, wealth management and insurance services. The company was founded in 2004 and is headquartered in Burr Ridge, IL.

Key Stats

• Today's Range: $11.99 to $12.17
• 50-Day Range: $10.89 to $11.82
• 52-Week Range: $11.03 to $13.97
• Volume: 30,887 shs
• Average Volume: 125,504 shs
• Market Capitalization: $154.50 million
• P/E Ratio: 77.50
• Dividend Yield: 3.23%
• Price Target: $11.50
• Consensus Rating: Reduce

BankFinancial Stock Analysis - MarketRank™

BankFinancial scored higher than 55% of companies evaluated by MarketBeat, and ranked 623rd out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Reduce

Consensus Rating

BankFinancial has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no buy ratings, 1 hold rating, and 1 sell rating.

Downside Risk

BankFinancial has a consensus price target of $11.50, representing about 7.3% downside from its current price of $12.40.

Amount of Analyst Coverage

BankFinancial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 7.58%

Earnings Growth

Earnings for BankFinancial are expected to grow by 7.58% in the coming year, from $0.66 to $0.71 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of BankFinancial is 77.50, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of BankFinancial is 77.50, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.42.

Price to Book Value per Share Ratio

BankFinancial has a P/B Ratio of 0.99. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.33% of the float of BankFinancial has been sold short.

Short Interest Ratio / Days to Cover

BankFinancial has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BankFinancial has recently increased by 0.16%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

BankFinancial pays a meaningful dividend of 3.22%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

BankFinancial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of BankFinancial is 62.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, BankFinancial will have a dividend payout ratio of 56.34% next year. This indicates that BankFinancial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.33% of the float of BankFinancial has been sold short.

Short Interest Ratio / Days to Cover

BankFinancial has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BankFinancial has recently increased by 0.16%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, BankFinancial insiders have not sold or bought any company stock.

Percentage Held by Insiders

12.21% of the stock of BankFinancial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

74.94% of the stock of BankFinancial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BFIN Stock Analysis - Frequently Asked Questions

How were BankFinancial's earnings last quarter?

BankFinancial Corporation (NASDAQ:BFIN) announced its quarterly earnings data on Friday, April, 25th. The bank reported $0.17 EPS for the quarter, beating the consensus estimate of $0.12 by $0.05. The bank had revenue of $13.13 million for the quarter, compared to the consensus estimate of $12.90 million. BankFinancial had a trailing twelve-month return on equity of 1.24% and a net margin of 2.69%.

Who are BankFinancial's major shareholders?

Top institutional investors of BankFinancial include M3F Inc. (8.55%), Alliancebernstein L.P. (7.92%), Geode Capital Management LLC (2.16%) and Black Maple Capital Management LP (1.76%).
View institutional ownership trends.

What other stocks do shareholders of BankFinancial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that BankFinancial investors own include First Merchants (FRME), Pfizer (PFE), AbbVie (ABBV), M&T Bank (MTB), International Business Machines (IBM), Intel (INTC) and Walgreens Boots Alliance (WBA).

Company Calendar

• Last Earnings: 4/25/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• Today: 9/07/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:BFIN
• CIK: 1303942
• Web: www.bankfinancial.com
• Phone: (800) 894-6900
• Fax: 630-242-7840
• Employees: 209
• Year Founded: 1924

Price Target and Rating

• Average Price Target for BankFinancial: $11.50
• High Price Target: $11.50
• Low Price Target: $11.50
• Potential Upside/Downside: -7.3%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.64
• Trailing P/E Ratio: 77.50
• Forward P/E Ratio: 18.79
• P/E Growth: N/A
• Net Income: $4.07 million
• Net Margins: 2.69%
• Pretax Margin: 2.21%
• Return on Equity: 1.24%
• Return on Assets: 0.14%

Debt

• Debt-to-Equity Ratio: 0.21
• Current Ratio: 0.76
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $74.36 million
• Price / Sales: 2.08
• Cash Flow: $0.34 per share
• Price / Cash Flow: 36.53
• Book Value: $12.55 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 12,460,000
• Free Float: 10,940,000
• Market Cap: $154.50 million
• Optionable: Optionable
• Beta: 0.43